According to Bay News 9, five women traveling in a sport utility vehicle were seriously injured when a 2005 Ford F-150 truck slammed into the rear of their vehicle as they slowed for a caution light at Republic Drive on U.S. 19 on Saturday night. Instead of rendering aid after causing the rear-end crash, the driver of the pickup truck fled on foot. The pickup truck kept going until for about a half-mile before stopping along the exit ramp to State Road 580.
Do you think this fleeing pick-up truck driver carried enough (or any) bodily injury insurance coverage to compensate the five injured women for their medical bills, lost wages and other damages? I suspect it is highly unlikely.
It is in these situations – when you are injured by an uninsured motorist or someone who does not carry adequate bodily injury liability coverage – when uninsured/underinsured motorist coverage (UM) is so important. This coverage will provide protection to you and your loved ones after a car accident. This coverage will also eliminate the need for you to have to sue the uninsured driver for your injuries while permitting your insurance company to try to recoup damages they paid from the uninsured driver.
Your bodily injury liability coverage (BI) protects everyone else on the road if you should cause injury in a car accident. However, it does not protect you and your family if you sustain injuries in an automobile accident. That is why uninsured motorist coverage is so important.
Check your car insurance policy today to make sure that you have uninsured motorist coverage on your policy. The mere fact that your insurance agent said that you have "full coverage" does not mean that you have uninsured motorist coverage because it is elective coverage and not required. Check now before you are injured in a car accident like these ladies who were simply stopping for a light on U.S. 19 on Saturday night.
Drive safely and watch out for those who don't.
Personal Injury Attorney Matthew Noyes represents those injured in car accidents, motorcycle crashes, bicycle accidents, pedestrian accidents and other types of personal injury matters. His Clearwater law firm – Perenich Caulfield Avril Noyes – is one of the oldest personal injury law firms in Pinellas County. Call Attorney Matthew Noyes now at 727-796-8282 or simply click here to schedule a free case consultation.